The bit about snobbish filipino is kind of true. I went to Alberta Canada to just visit and almost every store/restaurant is staffed by at least one or two Filipino and I smiled at them but dedma lang. Same in NY when I used to live there but that was expected because everyone in NY is snobbish there too.

Well, as someone living in Alberta, I can say that it’s somewhat true. I decided to learned from the Canadian’s politeness regardless of nationality but sadly I downplay it when it comes to our kababayan who doesn’t know what privacy is.

I keep my distance so I wouldn’t have to listen to their whole life story especially there finances. And hope they don’t pry on my salary etc.

We are in Canada. Respect the privacy of others which should start from within. And don’t judge the person based on how much they earn or wear. Not all who has Louis Vuitton are debt free.

If you're asking about sun mainde plus, may cash benefit if you get pregnant/childbirth, although may limit. FOR CI, nag-add lang ako ng CI rider. May ADB din as far as I can remember. Although I need to read the print again. :)

I hope there will be more ETF in the Philippines. Sa ibang bansa like Canada, ETF is more popular for DIY investors at madaming choices. There are ETFs for oil sector, banks etc.

Is there a REIT there? It’s like investing in rental property without owning the property. Instead you own a share. It has monthly distribution/dividends so it’s like having a rental cashflow without the hustle of dealing with tenants.

Haven’t tried it. I’ll see how it will fair. I learned my lesson when I moved to WIND Mobile (now Freedom) and the signal was horrible in my area. The cost is low but hardly worth it so I moved to FIDO (3 GB for $55/mos).

I started blogging while waiting to work overseas. Then I keep writing because it’s fun but challenging because I do everything and still have to keep on learning. Would live to be full time self-employed in the near future. Still need to acquire investment that would give passive income.

I get mine from the grocery store, but yes it can be any kind. There’s various kinds like virgin, refined, expeller pressed, etc, but it doesn’t really matter. If you live in a hot climate though I would store the toothpaste in a fridge because coconut oil melts at 76 F

I haven’t been in Manila or Philippines for a long time. I’m living overseas and wanted to plan my itinerary for a vacation. I would definitely visit the entire Intramuros since I’ve only gone to Fort Santiago. Any tips of a similar historical place or for a walk/hike with green scenery in the city or close to Manila.

Also any beginner’s hike trail? I don’t plan to stroll in the mall because I don’t plan to buy anything. I buy stuff that I need abroad whenever it’s on sale.

Dito sa Canada ngsosolo na ang mga 18 years old. Kaya naman pinaghahandaan na din ng mga teenagers. Some are kicked out of the house since they don’t want to follow the rules of the parents. Or kids pay rent in their parents house while working and studying.

Sadly though, Filipinos still have the mindset of providing everything. I heard stories of parents who have children (supposed to be adult already) who are not pitching in the expenses and can’t even help around the house like shovelling that could be as high as the knee.

I only know one affordable term insurance which is Sun LifeAssure. My sibling asked for a quote of the insurance with a rider of critical illness and accidental death benefit. I don’t what other term insurance is available but would love to know since the policy’s premium will increase every after 5 years.